College Costs in St. Joseph, MI 2026
Compare tuition, housing, and financial aid across 1 colleges in St. Joseph, Michigan. Use our free calculator to estimate your total cost.
Avg Public Tuition
$15,400
per year
Avg Private Tuition
$32,000
per year
Avg Rent Near Campus
$594
per month
Colleges & Universities
1
institutions
St. Joseph Overview
Population
8,365
Student Population
626 (7.5%)
Cost of Living Index
88.9 (avg: 100)
Walk Score
32/100
Transit Score
13/100
Unemployment Rate
3.8%
College Cost Calculator for St. Joseph
Cost Inputs
Total Cost (4 Years, Public In-State)
$115,308
Total After Financial Aid
$115,308
Annual Cost
$28,827
Annual After Aid
$28,827
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $115,308 |
| Monthly Payment | $1,309 |
| Total Interest | $41,808 |
| Total Loan Cost | $157,116 |
Universities in St. Joseph
| University | Type | Annual Tuition |
|---|---|---|
| St. Joseph State University | Public | $16,837 |
| St. Joseph Community College | Community | $5,492 |
St. Joseph has 1 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in St. Joseph vs. National Average
| Category | St. Joseph | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $15,400 | $10,940 | +$4,460 |
| Monthly Rent Near Campus | $594 | $1,050 | -$456 |
| Cost of Living Index | 88.9 | 100 | -11.099999999999994 |
St. Joseph's cost of living is below the national average. This makes it a more affordable city for students compared to many other college towns.
Student Life in St. Joseph
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
626 students
St. Joseph has a total population of 8,365, with approximately 626 college students (7.5% of the population). While not primarily a college town, St. Joseph offers students access to urban amenities, diverse employment opportunities, and a wide range of cultural experiences.
Post-Graduation Outlook in St. Joseph
$29,541
Starting Salary
3.8%
Unemployment Rate
53%
Graduation Rate
~0 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in St. Joseph earn a median starting salary of $29,541, which is -$5,459 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $115,308 (including room and board), it would take approximately 0 years of the salary premium to recoup the investment. With average financial aid of $10,752 per student per year, the net cost and payback period can be significantly reduced.
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